An Open Letter From a So-Called Stupid

Written by Jonathan Kraft


Why Identity Theft makes us all dummies, and what you can do to stop being stupid... Someone recently told me, "You would have to be a stupid to lose your personal information." While I respectfully responded to this person inrepparttar moment,repparttar 111825 comment has stuck with me. I present on Identity Theft all overrepparttar 111826 Western United States, and thought I would respond to this particular individual in writing.

There are multitudes of ways to lose your personal information. You have undoubtedly heard of many of them. Fake web sites, data theft, stealing people’s trash, stealing people’s outgoing mail, check fraud, etc., are just a few ofrepparttar 111827 possibilities for loss of information. Job ads are also being used for Identity Theft. Monster.com ranks fake companies posing as real companies on their web site among their biggest problems.

So, to you who think that it could never happen to you, you might want to read this next sentence twice. No matter how good you are, no matter how vigilant, no matter how much you shred or tear, no matter how many times you go torepparttar 111828 post office so that you don't put outgoing mail in your home mailbox, regardless of how well you can hide in your home, there is no 100% effective defense against Identity Theft. Let me say that again, in case you don't read it twice. There is NO 100% effective method to defend yourself against identity theft.

Here's an example of why. Let's say you want to get health insurance, or auto insurance, or finance a car, etc. etc. etc. Let's say for purposes of this example that you are trying to get health insurance through your company. This is a relatively simple process, right? Fill outrepparttar 111829 form, and wait to getrepparttar 111830 insurance cards inrepparttar 111831 mail.

Refinancing - Best way to measure costs and gains

Written by Tony Forster


Refinancing is a term inrepparttar finance industry that refers torepparttar 111824 process of paying off a current or present loan with a second loan. Ifrepparttar 111825 situation is right, refinancing can be very beneficial for those who engage in it. So how do you know whenrepparttar 111826 situation is right for refinancing?

First thing's first, refinance only works ifrepparttar 111827 interest rates are low. If they aren't, then refinancing is out ofrepparttar 111828 question. The goal is to save you lots of money which you would have used to pay off your monthly recurring bills on your current loan. With refinancing, there isrepparttar 111829 possibility that this monthly repayment amount will be reduced sincerepparttar 111830 rates would be considerably lower.

However, interest rates are very fickle. They vary in accordance withrepparttar 111831 changing economy. So it can therefore be assumed that interest rates are never low for long periods and neither are they high for long durations of time. Because of this inherent flexibility of interest rates, refinancing may not always be beneficial to people. For home owners with second mortgages, mortgage refinancing may backfire. The same goes for those people with a lot of debt or those having trouble paying their bills on time. By refinancing, they may end up paying more than when they stick torepparttar 111832 loan they already have.

What isrepparttar 111833 best way to measure costs and gains from refinancing?

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